+6 important notes when saving to avoid losing money

1. Deposit money directly at the counter

This is a deposit regulation, clearly defined in banks. However, in reality, there are still some special cases where acquaintances often support opening a deposit account without going to the bank to carry out the procedures according to regulations.

This is extremely dangerous, because in many cases, bank employees do not deposit money into the customer's account or do not provide all necessary documents for the customer to sign, or after signing the transaction documents, the bank employees can still switch the documents.

Furthermore, when transacting at the counter, customers will be recorded by the camera and this is very good evidence if an incident occurs later.

A savings book is a book that an individual keeps money in at the bank. (Illustration: BHX)

2. Never sign blank documents.

When making a deposit, withdrawal or transfer, customers should not, under any circumstances, sign blank pieces of paper. The reason is that all bank transaction documents for deposits, withdrawals or transfers have clear content and bank employees must follow the correct procedures to transact with customers.

Furthermore, with blank forms signed by customers, bank employees can still fill in information to withdraw customers' money in many different ways, and even withdrawal messages are not sent to the phone number that customers have signed, because there may be collusion between different departments.

3. Keep your savings book carefully

Besides signature and identification documents, the savings book is an important document proving the amount of money the customer has deposited in the bank. Therefore, the depositor must keep the savings book carefully and notify the bank immediately if it is lost.

Within 24 hours of the phone notification, the customer must go directly to the bank to file a lost passbook report. Otherwise, the thief will forge the signature and identification documents, and the customer will have to bear the loss of his deposit.

In addition, customers should not lend their savings books to anyone, because in many cases they can forge signatures, identity cards and collude with bank employees to withdraw money from customers' accounts.

At the same time, depositors should not “owe” their savings books to bank employees after opening a deposit account. Because then, bank employees may not deposit money into the customer’s account but into their own account or someone else’s.

4. Check the contents of the savings book carefully.

Customers may be at risk when bank employees accidentally enter the wrong amount of money you deposit or intentionally misappropriate money if the customer does not detect it because they do not check the savings book or the savings book or deposit contract does not have complete information.

When receiving a savings book, you need to check the information about: bank name, currency type, amount; deposit term; deposit date; due date; interest rate; interest payment method; full name and address of the savings deposit owner, of the savings deposit co-owner; citizen identification number or passport; card number, seal, signature of the Head of the unit (or authorized person) ...

5. Check your deposit account balance regularly

Checks should be done weekly and monthly so that in case of money loss, customers can quickly report to the bank or authorities for urgent measures to coordinate and resolve the situation.

If this is not paid attention to, customers will have difficulty recovering their money. Because at that time, the authorities and the bank will have to spend a lot of time investigating, prosecuting, trying, and even executing the judgment, which is very complicated, especially when the person who stole the money has no more money to pay back to the customer.

6. Try to maintain a consistent signature

Although not so bad as to invalidate the savings book, constantly changing the signature is a very common mistake and causes the most trouble for many customers.

Remember, when dealing with a bank, every stroke of your handwriting counts. Therefore, maintaining a signature throughout the banking transaction process is essential to help customers conveniently and quickly deposit, withdraw, and transfer money from their accounts.

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